Non-Surgical Fat Removal Financing

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Non-Surgical Fat Removal Loan Options

We all struggle with our weight, especially as we age. While dedicated time in the gym and discipline in the kitchen can shed many of those extra pounds, it’s a lot of work, slow going, and there are some stubborn fat areas our bodies just don’t want to let go of. To cut down the time it takes to get the results you want or to finally get the body you deserve, non-surgical fat removal can be the answer. You should never look for budget options when it comes to cosmetic procedures, and so you may need to seek non-surgical fat removal financing to afford your treatment.

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Can fat be removed without surgery?

Yes, there are several different types of non-invasive procedures to remove fat (covered below) which kill off fat cells without penetrating the skin. These dead cells are then naturally removed by the body.

What are the different types of non-surgical fat removal?

The most common form of fat removal is liposuction, but this is an invasive procedure and there are now many non-invasive fat removal procedures that can help slim the body and eliminate cellulite. The different types available to you are:

  • Cryolipolysis (such as CoolSculpting) - where cold temperatures are used to break down fat cells which are then removed by the body
  • Injection lipolysis (such as Kybella) - where a chemical (deoxycholic acid) kills off fat cells
  • Radiofrequency lipolysis (such as Vanquish) - where radio frequencies are used to heat the fat and kill it
  • Laser lipolysis (such as SculpSure) - where a laser heats fat cells and kills them

What is non-surgical fat removal financing?

Non-surgical fat removal financing is any form of borrowing you do to pay for your non-invasive fat removal treatment. This is usually a personal loan, but it can also be a credit card, line of credit, or another option we’ll discuss later.

How does non-surgical fat removal financing work?

If you use a personal loan, whether it be through the practice you’re getting your treatment at or through an external lender, you’ll borrow a lump sum to pay for the treatment and any associated costs. You then pay it back plus interest via monthly repayments over a term of 2-5 years (though this can vary).

How much does non-surgical fat removal cost?

The cost will depend on where you’re having your treatment, what type of treatment you choose, and how many areas you want to treat. That said, the average cost is $900 - $1,400 per treatment area.

What is the safest non-surgical fat removal procedure?

Any of the methods listed above are safe - they have been tested and shown to kill fat cells and not the surface skin cells or any other cells in the body, either by heat or cold. The most important thing is to get your treatment at a reputable center. Choose a plastic surgeon or a well-reviewed cosmetic practice.

What are the costs associated with non-surgical fat removal?

Non-surgical fat removal treatments are no more testing for the body than something like a chemical peel, so you won’t need to undergo general anesthesia and most do not even require a local anesthetic. Most treatments can be done within an hour and do not need any supportive garments, leaving you free to get on with your life as normal.

What kind of results can I expect from non-invasive fat removal?

This does vary from patient to patient and most find that they need multiple treatments to achieve their desired (more dramatic) results. Unlike liposuction, non-invasive fat removal has limited ability to sculpt the body, so you’re simply reducing your fat by a percentage your surgeon or practitioner can estimate for you. It is best used to reduce fat in stubborn areas, such as a double chin, belly bulge, love handles, saddlebags, thighs, and any areas with cellulite.

How can I finance non-surgical fat removal?

Here are the most popular options for financing non-invasive fat removal:

  • Savings: A single non-surgical fat removal procedure is usually relatively affordable, and so it is often a good idea to look to your savings first. If you plan to have multiple treatments, you may need to liquidate some assets to afford it, where possible. Make sure you are aware of the results you’ll get with a non-invasive procedure compared to liposuction and make sure you’re making the most time and cost-effective decision for you.

  • Credit Cards: Credit cards can also be a good way to cover the cost of one or two treatments, provided you have a good enough credit score to get a card with a good introductory offer. Look at cards offering long 0% APR terms or long low-interest introductory offers.
  • Personal Loans: a personal loan is one of the best choices if you plan to have multiple treatments or want to spread the cost of your treatment over a longer term. How much you can borrow depends on your creditworthiness, but most won’t lend less than $1,000 - $5,000. See our “Best Non-Surgical Fat Removal Personal Loans” section below for those that offer smaller amounts.
  • HELOC: A Home Equity Line of Credit isn’t likely going to be the right option for non-surgical fat removal financing, unless you plan to have multiple procedures over time - in which case it may be the right choice. A line of credit works much like a credit card as you are given a credit limit and can borrow as you need up to that amount, and only pay interest on what you’ve used. These usually have higher amounts and lower interest because they are secured against the value of your home, but you should also keep in mind that they come with the risk of your home being seized if the worst was to happen.
  • 401(k) Loan: If your retirement 401(k) plan allows you to take out a loan from your retirement balance, you can use it to pay for your procedure. Not all 401(k) plans allow this and they usually have strict repayment rules, but they are a good way to avoid credit checks and paying interest.
  • In-House Financing: Most practices and cosmetic surgeons offer some form of in-house financing through a partner lender, so you can investigate their payment plans, if they’re offered. Make sure you compare them to external options to get the best rates.

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Pros & Cons of Non-Surgical Fat Removal Financing


  • Get treatment now, rather than saving up
  • Keep your savings intact
  • Spread the cost


  • A single treatment is relatively affordable, so you may be stretching yourself financially
  • Financing options are expensive if you have mediocre or bad credit

What credit score do you need to obtain non-surgical fat removal financing?

There will be relatively affordable options available for most people with a credit score over 600, though you should try to have a credit score over 690 for the best options.

Can I get non-surgical fat removal financing with bad credit?

It’s likely possible, but it would be a much better decision to save for your treatment instead and focus on improving your credit score in the meantime. Don’t feel that you have to afford all your treatments at once - spacing them a few months apart as you save up will help you ensure you can maintain a healthy weight after your treatment.

Non-Surgical Fat Removal Financing Calculator

Make sure you understand what your repayments will cost you and how they will fit into your budget. Use our calculator below to find out how much they may be:

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What are the best non-surgical fat removal personal loans?

Most people will find that a personal loan is the best option for non-surgical fat removal procedures and mummy makeover financing. Here are some of the best:

  • Avant: borrow $2,000-$35,000 at 9.95-35.99% (minimum credit score: 550)
  • Axos Bank: (best for complete mommy makeovers) borrow $10,000-$50,000 at 6.79-17.99% (minimum credit score: 700)
  • LendingClub: borrow $1,000-$40,000 at 7.04-35.89% (minimum credit score: 600)
  • LightStream: borrow $5,000-$100,000 at 4.49-20.49% (minimum credit score: 660)
  • Universal Credit: borrow $1,000-$50,000 at 8.93-35.43% (minimum credit score: 560)
  • Upgrade: borrow $1,000-$50,000 at 5.94-35.47% (minimum credit score: 560)
  • Upstart: borrow $1,000-$50,000 at 4.81-35.99% (minimum credit score: none)

How to Qualify for Non-Surgical Fat Removal Financing

To qualify for affordable financing, you’ll likely need:

  • A credit score over 660
  • A debt-to-income ratio of 30% or less
  • Annual income over $20,000

Compare non-surgical fat removal personal loans and apply

If you’ve decided that non-surgical fat removal financing is the best way to finance your procedure, it’s time to compare loans and apply. Start your journey to better confidence by comparing the best non-surgical fat removal personal loans here and apply to the one that best suits your circumstances. You’ll soon have the funding you need to transform your body.

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